For landlords, the Insurent® Program is a unique no-cost method to increase
occupancies, eliminate rent loss, and streamline the rental process for all parties
where the prospective renter does not meet your minimum financial requirements, and
needs to put up additional security, prepaid rent, or have a qualified co-signer at
75x-100x the monthly rent.

The landlord accepts the Insurent® Program; the renter pays for the Insurent® Lease
Guaranty. There is no change to the landlord's procedures, including the requirement
for the payment of the first month's rent and the payment of one month's security to
the landlord at the execution of the Lease.

The signup procedure is a simple process. It just requires the signing of the Lease Rental Bond Policy (NY) or Lease Residual Value Policy (Other States) per building. This Master Policy allows each building to be
covered under the Insurent® Lease Guaranty Program. Upon a prospective renter not
meeting the landlord's financial requirements and qualifying for the Insurent® Lease
Guaranty, the renter executes the Tenant Participation Agreement,
and pays the Insurent® Guaranty Fee. A Coverage Rider to
the landlord is then issued certifying that such respective lease is guaranteed under
the Landlord Master Policy in such building.

The Insurent® Lease Rental Bond Policy and The Insurent® Lease Residual Value Policy are underwritten and issued by Argonaut
Insurance Company, a property and casualty insurance company licensed in New York and
other states. Argonaut Insurance Company is rated A (Excellent) by A.M. Best, and
is located at 225 West Washington, 6th Floor, Chicago, IL 60606.November 2007